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Business Travel Accident Insurance

Business Travel Accident Insurance provides additional coverage for eligible employees traveling on SAIC-related business. Any benefits paid are in addition to Basic Term Life Insurance and Basic AD&D Insurance benefits.

How Business Travel Accident Insurance Works

Employees automatically receive coverage equal to three times their annual compensation, to a maximum of $300,000. This is known as the "principal sum."

SAIC pays the full cost of coverage.

Important: "Annual compensation" means an employee's annual wage or salary as reported by his or her employer for the worked performed as of the date of loss. It does not include earnings received as bonuses, overtime pay and other extra compensation.

Employees Ages 70+

When an employee reaches age 70, the Business Travel Accident Insurance benefit amount — or principal sum — will be reduced by 35%.

In the event of an employee's death while traveling on SAIC-related business, benefits will be paid to the designated beneficiary. If an employee accidentally suffers dismemberment, the benefits will be paid directly to the employee. The chart below shows the benefit payments under the Business Travel Accident Insurance plan:

Business Travel Accident Insurance
FOR THE LOSS OF:*	THE EMPLOYEE WILL RECEIVE:
Life Two or more members Both upper and lower limbs (quadriplegia)** Speech and hearing in both ears	100% of the principal sum
One member Both lower limbs (paraplegia) Upper and lower limbs on one side of the body (hemiplegia) Speech Hearing in both ears	50% of the principal sum
Thumb and index finger of the same hand All four fingers of the same hand Hearing in one ear	25% of the principal sum

* An employee's loss must occur within 365 days of the date of the accident. "Member" means hand, foot or eye. "Loss of a hand or foot" means complete severance through or above the wrist or ankle joint. "Loss of sight" means total, permanent and irrevocable loss by natural, surgical or artificial means. "Loss of speech" means total, permanent and irrevocable loss of audible communication. "Loss of hearing" means total and permanent loss of hearing in both ears which cannot be corrected by any means. "Loss of a thumb and index finger" means complete severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand).

**These injuries — or paralyses — mean the loss of use, without severance, of a limb. Such a loss must be determined by a doctor to be complete and not reversible.